Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
UMB Financial Corporation's quarterly P/E stands at 8.4x, down 59.7% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 1187.4% YoY to 19.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.37 | 8.42 | 10.50 | 12.54 | 9.32 | 20.89 | 11.56 | 11.78 | 10.07 | 9.67 | 14.41 | 7.83 | 8.23 |
| — | -59.7% | -9.2% | +6.4% | -7.5% | +116.1% | -19.7% | +50.4% | +22.4% | +27.3% | +42.1% | -32.7% | +8.2% | |
| P/S Ratio | 2.25 | 2.48 | 2.03 | 1.49 | 1.97 | 1.95 | 2.04 | 1.91 | 1.59 | 1.66 | 1.70 | 1.33 | 1.31 |
| — | +27.5% | -0.6% | -21.9% | +23.9% | +17.2% | +20.1% | +44.2% | +21.3% | +20.0% | -23.0% | -48.0% | -49.9% | |
| P/B Ratio | 1.30 | 1.10 | 1.14 | 1.20 | 1.10 | 0.98 | 1.60 | 1.46 | 1.27 | 1.35 | 1.32 | 1.08 | 1.05 |
| — | +12.1% | -28.6% | -17.9% | -13.1% | -27.3% | +21.6% | +35.3% | +20.9% | +35.0% | -13.7% | -33.7% | -34.0% | |
| P/FCF | 10.21 | 5.96 | 23.07 | 8.64 | 7.40 | 4.67 | — | 10.96 | 9.57 | 19.79 | 12.57 | 3.34 | 5.07 |
| — | +27.4% | — | -21.1% | -22.7% | -76.4% | — | +227.7% | +88.7% | — | +57.0% | -34.2% | -2.4% | |
| EV / EBITDA | 12.11 | 19.84 | 9.08 | 2.50 | 0.22 | -1.82 | -0.02 | 0.73 | 3.71 | 1.41 | 5.21 | 6.46 | 5.20 |
| — | +1187.4% | +40671.3% | +240.4% | -94.1% | -229.1% | -100.4% | -88.6% | -28.7% | -84.3% | -42.4% | -32.1% | -21.3% | |
| EV / EBIT | 14.26 | 23.52 | 9.86 | 3.21 | 0.25 | -2.40 | -0.02 | 0.80 | 4.10 | 1.56 | 6.12 | 7.23 | 5.90 |
| — | +1079.9% | +40611.8% | +299.3% | -93.9% | -254.0% | -100.4% | -88.9% | -30.5% | -84.7% | -39.3% | -32.4% | -17.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
UMB Financial Corporation's operating margin was 14.6% in Q1 2026, down 12.6 pp QoQ and up 3.6 pp YoY. The trailing four-quarter average of 21.2% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 23.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.4% | 61.6% | 66.4% | 44.3% | 60.2% | 49.9% | 55.2% | 51.3% | 52.1% | 54.6% | 55.7% | 55.4% | 55.9% |
| — | +23.6% | +20.4% | -13.7% | +15.5% | -8.7% | -1.0% | -7.3% | -6.8% | -12.7% | -22.3% | -28.9% | -38.3% | |
| Operating Margin | 20.3% | 14.6% | 27.2% | 15.9% | 27.1% | 10.9% | 21.3% | 20.1% | 19.8% | 20.9% | 13.4% | 20.9% | 19.5% |
| — | +33.3% | +27.8% | -21.2% | +36.8% | -47.6% | +58.3% | -3.7% | +1.5% | -4.8% | -49.9% | -22.9% | -55.1% | |
| Net Margin | 15.8% | 30.2% | 19.8% | 12.6% | 21.4% | 9.6% | 17.6% | 16.3% | 15.8% | 17.2% | 11.8% | 16.9% | 16.0% |
| — | +215.3% | +12.5% | -22.3% | +35.4% | -44.4% | +49.5% | -3.9% | -1.0% | -5.3% | -45.6% | -22.7% | -53.6% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.6% | 3.4% | 2.8% | 2.6% | 3.1% | 1.6% | 3.4% | 3.2% | 3.2% | 3.5% | 2.4% | 3.4% | 3.2% |
| — | +111.6% | -17.0% | -21.1% | -2.5% | -54.8% | +42.7% | -5.3% | -0.5% | +4.6% | -37.8% | +0.5% | -37.5% | |
| ROA | 1.1% | 0.4% | 0.3% | 0.3% | 0.3% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | +164.1% | +21.2% | +10.0% | +36.5% | -45.0% | +47.7% | +2.1% | +2.5% | +5.6% | -37.0% | -0.4% | -37.5% | |
| ROIC | 7.5% | 0.8% | 2.0% | 1.7% | 2.0% | 0.8% | 1.7% | 1.6% | 1.5% | 1.5% | 0.9% | 1.3% | 1.1% |
| — | -4.4% | +17.1% | +3.0% | +37.6% | -43.4% | +96.2% | +22.8% | +27.1% | +20.5% | -50.6% | -12.5% | -49.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
UMB Financial Corporation's Debt/EBITDA ratio is 26.9x, up from 11.8x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 42.4% YoY to 0.21x, tightening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.49 | 0.51 | 0.49 | 0.42 | 0.46 | 0.48 | 0.86 | 0.75 | 0.96 | 1.14 | 1.13 | 1.58 | 1.21 |
| — | +8.0% | -42.8% | -44.8% | -51.8% | -58.4% | -23.5% | -52.5% | -20.7% | -39.7% | +15.7% | +48.1% | +9.2% | |
| Debt / EBITDA | 3.58 | 26.86 | 11.84 | 10.17 | 10.77 | 26.26 | 19.01 | 17.89 | 22.12 | 24.44 | 36.89 | 33.21 | 27.53 |
| — | +2.3% | -37.7% | -43.1% | -51.3% | +7.4% | -48.5% | -46.1% | -19.7% | -41.9% | +95.7% | +50.8% | +75.1% | |
| Current Ratio | 0.01 | 0.21 | 0.01 | 0.28 | 0.19 | 0.36 | 0.36 | 0.35 | 0.32 | 0.35 | 0.34 | 0.29 | 0.30 |
| — | -42.4% | -96.0% | -19.7% | -41.4% | +3.8% | +8.2% | +22.2% | +8.1% | +17.4% | +28.4% | +1.7% | -1.8% | |
| Quick Ratio | 0.01 | 0.21 | 0.01 | 0.28 | 0.19 | 0.36 | 0.36 | 0.35 | 0.32 | 0.35 | 0.34 | 0.29 | 0.30 |
| — | -42.4% | -96.0% | -19.7% | -41.4% | +3.8% | +8.2% | +22.2% | +8.1% | +17.4% | +28.4% | +1.7% | -1.8% | |
| Interest Coverage | 0.60 | 0.38 | 0.81 | 0.59 | 0.72 | 0.27 | 0.51 | 0.44 | 0.43 | 0.48 | 0.30 | 0.48 | 0.47 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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UMB Financial Corporation's current P/E is 14.4x. The average P/E over the last 4 quarters is 10.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
UMB Financial Corporation's current operating margin is 20.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking UMB Financial Corporation's business trajectory between earnings reports.